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Answer No. If it was caused by something happening (tree falling, hail storm, etc), then it would cover it. Deterioration over time will not be covered. If you need to file a claim because something happened to break your roof, then you need to think about this in the long term before filing. Some things to consider: What is your deductible? If it is $1000 and the roof will cost $1200, then filing for the extra $200 is not worth it. Your premiums go up after filing any claim (no matter the reason) by about 30% for years - you will want to consult your policy for the exact amount of time. So do the math and decide before filing. Your agent can also help you decide before filing, your premium wont go up for just talking about it with your agent.

If you had leaks in the roof due to lack of maintenance and leaks occurred in the roof then no it would no cover this type of damage. Home insurance covers damage that is "sudden and accidental" and caused by a covered cause, it does not cover maintenance, normal wear, and damage that happened over a period of time.

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โˆ™ 2014-11-07 17:43:24
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Q: Does homeowners cover a leaking roof?
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Related questions

Does homeowners insurance cover roof damage?

Depends on what damaged the roof. They almost always cover it. Call them. If they say they don't cover it, then ask where it says that in their policy.

Does homeowners insurance cover water damage due to a dishwasher breaking and leaking?

Yes, most homeowners insurance will cover this type of damage. You need to read your specific policy for exclusions for water damage.

Will insurance cover a leaking roof?

It depends on why your roof is leaking. If your roof was damaged by a covered peril such as fire lightning etc. Then your Homeowners insurance would cover the damage. If your roof is old and worn out, it just needs to be replaced and would not be covered by your homeowners insurance. Roofs require the home owners maintenance and upkeep along with replacement every 20 years or so. It's just part of the cost of owning a home. Failure to engage in expected normal maintenance of your home can be interpreted as a moral hazard and can result in cancellation of your homes insurance policy. If your roof is fairly new and you just have a leak with no visible damage, then it is most likely the result of faulty workmanship and again, not covered by your home insurance policy.

Does homeowners insurance cover roof damage from snow?

be more specific - collapse by weight of ice and snow is covered for did the snow damage the roof?

Will homeowners insurance cover the additional cost of the water be covered from a leak?

What? The question does not make sense but nearly all policies cover damage from leaking pipes, unless the pipe was exposed and you knew it was leaking and ignored it.

Does homeowners insurance cover leak in roof?

This depends on the Terms and Conditions of the Policy, you will find these on the Policy Document itself.

Does allstate homeowners insurance cover condensation leaking from AC ducting damage?

No, your homeowners insurance does not cover AC maintenance issues. however, depending on the type of policy you purchased, it may cover resulting structural damage after you have completed the necessary repairs to your AC system.

If a tree falls and damages a roof of his own house on his property in a icestorm will homeowners insurance cover the damage?

absolutely yes

Does homeowners cover water damage from a leaky roof?

In most states, homeowner's insurance does not cover water damage from a leaky roof. Water damage is generally covered under a separate policy called flood insurance.

what to do when you have a leaking roof?

Usually, a leaking roof needs repairs only on the leaking areas; however, if the entire roof is in danger of becoming a massive leaking area, it is best to take precautionary measures of which your repairman can suggest.

If the upstairs patio is leaking through to the family room below - will homeowners insurance cover it?

If it was a sudden leak, they would cover it. But the would not pay to fix the leak in the patio

Does home contents insurance cover a leaking flat roof?

Generally no. You need "all risk" contents for that to be covered.

Will homeowners policy cover damage to siding caused by improper installation of roof flashing where the roof shingles abut the siding?

Maybe, consult your agent or claims department and ask. Who did the work? If it was you most likely not. If it was a contractor, his insurance will cover you.

If you loose roof shingles will your homeowners policy cover the cost to replace?

A call to your insurance company describing why the shingles were lost will answer your question.

Why is there water inside Chevrolet Surburban?

roof or heater core leaking roof or heater core leaking

Does insurance cover leaking roofs?

repair to the roof not covered. resulting water damage covered subject to policy deductible

Does homeowners insurance cover a homeowners fall?

You mean cover the owner who is listed on the policy? =No!

Will homeowners cover tire theft?

Homeowners insurance does not cover automobile nor there parts.

Will homeowners cover an injury caused by falling off the roof while doing repairs?

It depends on what coverage you bought and who was working on the roof. Talk with your insurance agent for help determining coverage purchased.

Will homeowners insurance cover a new roof?

Your question can be read in a couple of ways. 1. If an occurrence covered by a homeowners policy caused damage to the roof, it probably would be covered. If the occurrence that caused the damage was a type of occurrence covered by the policy, the damage would likely be covered. 2. Conversely, if the roof leaked just because it was old, insurance would not cover repair or replacement because insurance does not cover ordinary wear and tear. 3. If what you mean is whether a new roof (rather than an existing roof) is covered, the rule stated in #1 would apply.

Does homeowners insurance cover foreclosure?

No. Homeowners Insurance does not cover the owners default on a mortgage note.

Does homeowners insurance cover plumbing repair to a leaking pipe behind a wall in the house?

AnswerIt may vary state to state but generally NO insurance will not cover the leaking pipe but it will cover the cost to get to it and repair the damage done to get to it as well as cover the damage done from the leak. You are on your own with the cost of the plumber. Best bet is to read your policy on exclusions. If it is not excluded, it's covered.

If a tree falls on your moon roof what insurance coverage do you use?

File a claim on your comprehensive auto insurance if you have it. Your homeowners insurance will not cover damage to your vehicle.

Does Liberty Mutual Homeowners Insurance cover roof damage from a raccoon?

Check with your agent. There may be some compensation for repairs, but not for ridding your home of the raccoons.

Does insurance cover ice damage to the roof?

One of the basic covered causes on a homeowners policy is "weight of ice and/or snow". Also the basic coverage of "windstorm" would cover damage caused by hail.